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Fringe Financial Products and Financ...

Hall, Yvette Irene.

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Fringe Financial Products and Financial Well-Being.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Fringe Financial Products and Financial Well-Being./
作者:	Hall, Yvette Irene.
出版者:	Ann Arbor : ProQuest Dissertations & Theses, : 2021,
面頁冊數:	117 p.
附註:	Source: Dissertations Abstracts International, Volume: 83-03, Section: A.
Contained By:	Dissertations Abstracts International83-03A.
標題:	Low income groups. -
電子資源:	https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=28719032
ISBN:	9798538110223

Fringe Financial Products and Financial Well-Being.
Hall, Yvette Irene.

Fringe Financial Products and Financial Well-Being. - Ann Arbor : ProQuest Dissertations & Theses, 2021 - 117 p.

Source: Dissertations Abstracts International, Volume: 83-03, Section: A.

Thesis (Ph.D.)--Hampton University, 2021.

This item must not be sold to any third party vendors.

The use of fringe financial products (FFP) such as payday loans, pawn loans, and check cashing services negatively impact the financial well-being of consumers who find themselves in a cycle of debt that can be difficult and expensive to escape. African Americans are targeted by the FFP industry through advertising and retail storefront locations. The Consumer Financial Protection Bureau is charged with protecting American consumers from harmful financial products. This research seeks to discover the impact that use of FFP has on consumers' self-reported financial well-being. Using secondary data from the Consumer Financial Protection Bureau consisting of a robust data set from a national survey of 6,394 U.S. consumers, the research found a statistically significant negative impact to financial well-being scores for consumers who use FFP. This study discusses the targeted marketing of harmful products to vulnerable consumer groups and suggests implications for policymakers as well as financial educators and institutions as the country grapples with the low economic mobility of the African American population.

ISBN: 9798538110223Subjects--Topical Terms:

3562917
Low income groups.
Subjects--Index Terms:

Consumer vulnerability

Fringe Financial Products and Financial Well-Being.
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245 1 0 $a Fringe Financial Products and Financial Well-Being.
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300 $a 117 p.
500 $a Source: Dissertations Abstracts International, Volume: 83-03, Section: A.
500 $a Advisor: Jones, Oliver.
502 $a Thesis (Ph.D.)--Hampton University, 2021.
506 $a This item must not be sold to any third party vendors.
520 $a The use of fringe financial products (FFP) such as payday loans, pawn loans, and check cashing services negatively impact the financial well-being of consumers who find themselves in a cycle of debt that can be difficult and expensive to escape. African Americans are targeted by the FFP industry through advertising and retail storefront locations. The Consumer Financial Protection Bureau is charged with protecting American consumers from harmful financial products. This research seeks to discover the impact that use of FFP has on consumers' self-reported financial well-being. Using secondary data from the Consumer Financial Protection Bureau consisting of a robust data set from a national survey of 6,394 U.S. consumers, the research found a statistically significant negative impact to financial well-being scores for consumers who use FFP. This study discusses the targeted marketing of harmful products to vulnerable consumer groups and suggests implications for policymakers as well as financial educators and institutions as the country grapples with the low economic mobility of the African American population.
590 $a School code: 0802.
650 4 $a Low income groups. $3 3562917
650 4 $a Decision making. $3 517204
650 4 $a Empowerment. $2 lcstt $3 3266631
650 4 $a Households. $3 579926
650 4 $a Finance. $3 542899
653 $a Consumer vulnerability
653 $a Financial well-being
653 $a Fringe banking
653 $a Payday lending
653 $a Target marketing
690 $a 0338
690 $a 0508
710 2 $a Hampton University. $b Business Administration. $3 3288540
773 0 $t Dissertations Abstracts International $g 83-03A.
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791 $a Ph.D.
792 $a 2021
793 $a English
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